Search found 45 matches

by LAR
Fri Sep 22, 2017 12:29 pm
Forum: Personal Finance (Not Investing)
Topic: Apartment searching with frozen credit
Replies: 9
Views: 1057

Re: Apartment searching with frozen credit

Credit reporting agencies need to come up with a method where only people the applicant authorizes receive the information contained in his/her credit file. Similar to the automated employment verification systems many governments agencies have. We should also have a right to opt out of being identi...
by LAR
Mon Aug 07, 2017 12:42 pm
Forum: Personal Consumer Issues
Topic: Santa Fe New Mexico - recommendations
Replies: 26
Views: 2072

Re: Santa Fe New Mexico - recommendations

There are numerous routes you can take to get to Taos. The high road is beautiful, but the route that passes through Abiqui puts you by Echo Canyon and there is a place nearby called the Ghost Ranch where Georgia Okeefe saw inspiration for her paintings and they have a hiking trail. It also leads to...
by LAR
Mon Aug 07, 2017 12:36 pm
Forum: Personal Consumer Issues
Topic: Santa Fe New Mexico - recommendations
Replies: 26
Views: 2072

Re: Santa Fe New Mexico - recommendations

Bandelier National Monument it has a cool pueblo ruin. Las Golindrinas it is a colonial farm, but they have weird hours. Tent Rocks the tramway
by LAR
Wed Aug 02, 2017 9:38 am
Forum: Investing - Help with Personal Investments
Topic: how can we ensure our modified adjusted gross income stays under 186k
Replies: 8
Views: 1481

Re: how can we ensure our modified adjusted gross income stays under 186k

Are you maxing out Traditional 401k/403b/457b at work? These will help reduce your AGI and MAGI for Roth IRA purposes. No, but I will try to add more to help with lowering our MAGI. The military BAH and BAS is not taxed and now that my spouse has retired and found a fairly high paying job and in com...
by LAR
Tue Aug 01, 2017 10:34 pm
Forum: Investing - Help with Personal Investments
Topic: how can we ensure our modified adjusted gross income stays under 186k
Replies: 8
Views: 1481

how can we ensure our modified adjusted gross income stays under 186k

Can you guesstimate adjusted gross income from a leave and earning statement? What happens if we are investing in our ROTH IRA and our MAGI turns out to be more than $186k?
by LAR
Mon Jul 17, 2017 1:36 pm
Forum: Personal Finance (Not Investing)
Topic: Rent in safer neighborhood or buy in less safe one?
Replies: 67
Views: 5072

Re: Rent in safer neighborhood or buy in less safe one?

Hold out for a steal of a buy in the better safer more expensive neighborhood. I am sure they still get their fair share of short sales, foreclosures and people that simply want to sell to the first bidder.
by LAR
Mon Jul 10, 2017 9:12 pm
Forum: Personal Finance (Not Investing)
Topic: Special Needs Trust - what should a trustee not do?
Replies: 20
Views: 1689

Re: Special Needs Trust - what should a trustee not do?

I saw an article about this lately, it might be worth it to see if your state participates: http://www.ablenrc.org/about/what-are-able-accounts The sounds great. However my niece is not capable of opening or controlling her own account. Would her parents be able to create one on her behalf and run ...
by LAR
Mon Jul 10, 2017 3:50 pm
Forum: Personal Finance (Not Investing)
Topic: Special Needs Trust - what should a trustee not do?
Replies: 20
Views: 1689

Re: Special Needs Trust - what should a trustee not do?

I saw an article about this lately, it might be worth it to see if your state participates:

http://www.ablenrc.org/about/what-are-able-accounts
by LAR
Sat Jul 08, 2017 8:30 pm
Forum: Personal Consumer Issues
Topic: Doing dishes while camping
Replies: 38
Views: 2975

Re: Doing dishes while camping

You can boil the water using a camp stove and the hotter water should help cut through grease more. Do you cook using cast iron or dutch oven? I think they are easier to clean especially if they are well seasoned. Additionally maybe the plastic baskets with wax paper for some meals will produce less...
by LAR
Wed Jun 21, 2017 12:58 pm
Forum: Personal Consumer Issues
Topic: Poaching chicken
Replies: 51
Views: 5055

Re: Poaching chicken

The person making the "chicken salad" should have poached the chicken themselves.
by LAR
Tue Jun 20, 2017 3:01 pm
Forum: Personal Finance (Not Investing)
Topic: Siblings in disagreement over mom's house.
Replies: 241
Views: 21283

Re: Siblings in disagreement over mom's house.

One of the 3 siblings who want to sell and has a semi decent relationship and rapport with the two siblings who are refusing to sell should be able to convince them how their stance helps no one to include themselves.
by LAR
Tue Jun 20, 2017 10:39 am
Forum: Personal Finance (Not Investing)
Topic: Siblings in disagreement over mom's house.
Replies: 241
Views: 21283

Re: Siblings in disagreement over mom's house.

Why can't the executor just say majority rules and place the home up for sale and distribute the proceeds once the house is sold?
by LAR
Wed Jun 07, 2017 2:30 pm
Forum: Personal Consumer Issues
Topic: Dave Ramsey Financial Peace University ??? worth it?
Replies: 120
Views: 9411

Re: Dave Ramsey Financial Peace University ??? worth it?

Some churches will allow you to attend the course without paying for the materials (book, required documents and access to the FPU aspects on the Dave Ramsey website), but I think they are discouraged from doing that. You could also possibly request a discount from the organization, but that is only...
by LAR
Wed Jun 07, 2017 2:20 pm
Forum: Personal Finance (Not Investing)
Topic: Nanny or Afterschool Helper finding advice
Replies: 9
Views: 934

Re: Nanny or Afterschool Helper finding advice

"Mom Cab" good business idea!
by LAR
Mon May 08, 2017 9:44 am
Forum: Personal Finance (Not Investing)
Topic: Federal job, "military time buyback" for pension
Replies: 22
Views: 2275

Re: Federal job, "military time buyback" for pension

Once you pay it off you should receive a paid in full letter. Keep it with your permanent records and when you plan to retire include it with your application to retire.
by LAR
Sat May 06, 2017 10:08 pm
Forum: Personal Finance (Not Investing)
Topic: Federal job, "military time buyback" for pension
Replies: 22
Views: 2275

Re: Federal job, "military time buyback" for pension

In addition, if you pay it and you work at least 18 months for government and in combination with your military deposit equals more than 10 years and you die in service your spouse will get a monthly annuity. https://www.opm.gov/retirement-services ... /survivors
by LAR
Tue Feb 09, 2016 3:55 pm
Forum: Personal Finance (Not Investing)
Topic: What is your opinion on the Federal goverment retirement plan?
Replies: 57
Views: 8327

Re: What is your opinion on the Federal goverment retirement plan?

I was told it only makes sense for a military retiree to buyback his/her time if they left the military at a low grade say E6 and work in the government to a high grade either GS 15 or SES. They continue to receive military retirement payments while working as a GOV civilian the monthly military ret...
by LAR
Wed Dec 30, 2015 9:57 am
Forum: Personal Consumer Issues
Topic: Anyone have a Ford Escape?
Replies: 14
Views: 2042

Re: Anyone have a Ford Escape?

We have one and overall I like it. I do not notice a lot of noise and I like the navigation system. My only complaint is the Driver and Passenger seat seatbelts are not inside a case down by the floor, so occasionally my kids kick the seat belt and it tugs on the person sitting in front. I think the...
by LAR
Sun Oct 11, 2015 9:44 pm
Forum: Personal Consumer Issues
Topic: Bank transfer to someone else's account
Replies: 21
Views: 2285

Re: Bank transfer to someone else's account

If you know your Grandmother's bank account number and routing number Capital One offers person to person payments. You input the recipients name email address routing number and the last 4 digits of the account number. They accept the money by clicking the link in the email and entering the entire ...
by LAR
Wed Jan 28, 2015 2:08 pm
Forum: Investing - Help with Personal Investments
Topic: What to do when you don't meet the minimums
Replies: 15
Views: 1600

Re: What to do when you don't meet the minimums

I started investing with Fidelity with less than the minimum in a Roth IRA. At the time I believe the requirement was to have at least 4 automatic investments per year of at least $50. The majority of their funds allowed this for a retirement account (traditional or Roth.) One fund had a fee for hav...
by LAR
Tue Nov 04, 2014 3:01 pm
Forum: Personal Finance (Not Investing)
Topic: Morbid Question
Replies: 28
Views: 5123

Re: Morbid Question

My spouse has zero interest in learning about finances (budgeting, saving, investing.)
by LAR
Sun Sep 28, 2014 7:18 pm
Forum: Personal Finance (Not Investing)
Topic: SS Planning with a Disabled Adult Child
Replies: 17
Views: 2288

Re: SS Planning with a Disabled Adult Child

Too many acronyms!
by LAR
Fri Sep 26, 2014 12:40 pm
Forum: Personal Consumer Issues
Topic: Tree trimming cost
Replies: 30
Views: 4219

Re: Tree trimming cost

Hire an arboritist rather than a landscaper/tree trimmer and monitor the work while they trim. I spoke to a woman who said she paid a tree trimmer to trim her trees. They did the work while she was away, and they look terrible. The tree trimmer basically lobbed the top off of every tree in her back ...
by LAR
Sun Sep 14, 2014 8:35 pm
Forum: Personal Consumer Issues
Topic: Hi performance fleece jacket
Replies: 9
Views: 1611

Re: Hi performance fleece jacket

I have a zip up spyder fleece sweater and I love it.
by LAR
Tue Sep 09, 2014 9:31 pm
Forum: Personal Finance (Not Investing)
Topic: Rather macabre but necessary question
Replies: 86
Views: 13714

Re: Rather macabre but necessary question

As far as travel consider signing g up to receive brochures from road scholar: http://www.roadscholar.org/
by LAR
Wed Aug 20, 2014 12:18 pm
Forum: Personal Consumer Issues
Topic: Tract Home - Things to Watch During Construction
Replies: 58
Views: 6674

Re: Tract Home - Things to Watch During Construction

If you have dogs or have the need, I believe a utility sink in the laundry room or garage is a plus.
by LAR
Tue Aug 19, 2014 9:28 pm
Forum: Personal Consumer Issues
Topic: Tract Home - Things to Watch During Construction
Replies: 58
Views: 6674

Re: Tract Home - Things to Watch During Construction

Can you hire a home inspector who can monitor the construction?
by LAR
Sat Aug 16, 2014 12:06 pm
Forum: Investing - Help with Personal Investments
Topic: Excess contribution to 529?
Replies: 8
Views: 745

Re: Excess contribution to 529?

Talk to your bank maybe they can pull the money back.
by LAR
Fri Aug 15, 2014 3:29 pm
Forum: Investing - Help with Personal Investments
Topic: Excess contribution to 529?
Replies: 8
Views: 745

Re: Excess contribution to 529?

There is no penalty for withdrawing the principal.
by LAR
Fri Jul 25, 2014 4:14 pm
Forum: Personal Consumer Issues
Topic: Looking for insights on San Antonio
Replies: 33
Views: 2296

Re: Looking for insights on San Antonio

visit the Alamo, walk along the riverwalk, Schlitterbaughn waterpark, 6 Flags, zoo, Seaworld, Fredericksburg is a nice place to visit, take pictures in a field of bluebonnets, there is snake farm that was featured on Dirty Jobs.
by LAR
Fri Jul 25, 2014 2:36 pm
Forum: Personal Consumer Issues
Topic: Looking for insights on San Antonio
Replies: 33
Views: 2296

Re: Looking for insights on San Antonio

Texas has high property tax according to the following article:
http://taxes.about.com/od/statetaxes/a/ ... states.htm

I lived in a different part of TX for 8 years and I loved it. I also enjoyed visiting San Antonio.
Many people from higher cost of living states were moving to Texas while I lived there.
by LAR
Wed Jul 09, 2014 2:41 pm
Forum: Personal Finance (Not Investing)
Topic: Best ways to help a friend get started?
Replies: 27
Views: 2208

Re: Best ways to help a friend get started?

In my opinion, it sounds like she crossed ethical boundries with you by confiding in you about her personal life. Her past might be a fabrication.
by LAR
Wed Jul 09, 2014 2:28 pm
Forum: Personal Finance (Not Investing)
Topic: Best ways to help a friend get started?
Replies: 27
Views: 2208

Re: Best ways to help a friend get started?

Have you done a thorough background check?
by LAR
Fri Jun 27, 2014 9:21 pm
Forum: Personal Consumer Issues
Topic: Please help us decide where to live
Replies: 169
Views: 12363

Re: Please help us decide where to live

Luray, VA
by LAR
Fri Jun 27, 2014 9:18 pm
Forum: Personal Consumer Issues
Topic: Please help us decide where to live
Replies: 169
Views: 12363

Re: Please help us decide where to live

TAOS, NM
by LAR
Fri Jun 27, 2014 8:49 pm
Forum: Personal Consumer Issues
Topic: Please help us decide where to live
Replies: 169
Views: 12363

Re: Please help us decide where to live

Central Tx: Austin, Roundrock, Salado, Belton, Killeen, Lampassas
by LAR
Wed Jun 25, 2014 1:19 pm
Forum: Investing - Help with Personal Investments
Topic: Change multiple 529 account beneficiaries to same individual
Replies: 9
Views: 734

Re: Change multiple 529 account beneficiaries to same indivi

m "Fortunately, your $12,000 gift tax annual exclusion can be employed to keep your 529 contributions from becoming "taxable" gifts. Even better, if you contribute more than the $12,000 annual exclusion amount to 529 plans for any particular beneficiary, you are allowed to spread as m...
by LAR
Fri Apr 25, 2014 4:23 pm
Forum: Personal Consumer Issues
Topic: Vehicle for family of 3 + occasional guests
Replies: 10
Views: 2526

Re: Vehicle for family of 3 + occasional guests

I have Mazda 5 (2006). I like it but it has flaws. I read an article ranking 7 seater SUV and the Mazda CX9 was rated #1, but I have never driven one.
by LAR
Tue Apr 15, 2014 9:25 pm
Forum: Personal Consumer Issues
Topic: Most solid small car
Replies: 25
Views: 4547

Re: Most solid small car

Do you like your current car? I recently peeked in one and liked the 3rd row, but I believe the Acura website said it only sold in manual transmission.
by LAR
Thu Mar 20, 2014 7:11 pm
Forum: Personal Consumer Issues
Topic: Anyone know of places to purchase canes
Replies: 26
Views: 1908

Re: Anyone know of places to purchase canes

Goodwill or other thriftshop
by LAR
Wed Dec 18, 2013 7:15 pm
Forum: Personal Finance (Not Investing)
Topic: FERS basic benefit?
Replies: 5
Views: 855

Re: FERS basic benefit?

I agree you should
keep it with OPM. I see employees in my job all the time who are returning to Government service following a break in service.
by LAR
Tue Dec 17, 2013 4:46 pm
Forum: Personal Finance (Not Investing)
Topic: Edward Jones as an employer [UPDATED]
Replies: 54
Views: 14538

Re: Edward Jones as an employer

I thought about EJ as a potential employer as well. The only real interview I have had was for a position at Metlife and it sounded more like an insurance sales job than a financial planner. I ran away, quickly. I have a long personal experience with investing and also have a degree in finance, but...
by LAR
Thu Apr 18, 2013 10:34 am
Forum: Investing - Help with Personal Investments
Topic: Is there a disadvantage to using one 529 for 2 kids?
Replies: 29
Views: 2444

Re: Is there a disadvantage to using one 529 for 2 kids?

I think it is a bad idea to have your 529 money in one big pot with one beneficiary, because if you die the only beneficiary who can benefit from that money is the listed beneficiary. Even if your intent was to split the money later there is no guarantee the beneficiary in good faith will do that fo...